Current Rates

Deposit Rates

Savings Accounts

Long Term Savings Account Balance

Opening Balance Div. Rate APY*
$250-$9,999 0.40% 0.40%
$10,000-$24,999 0.50% 0.50%
$25,000-$49,999 0.75% 0.75%
$50,000-$99,999 0.75% 0.75%
$100,000-$249,000 1.00% 1.00%
$250,000 or greater 1.24% 1.25%

 

Emergency Savings

Opening Balance Div. Rate APY*
Less than $250 0.00% 0.00%
$250.00 or more 0.05% 0.05%

 

Additional Savings Account Balance

Opening Balance Div. Rate APY*
Less than $250 0.00% 0.00%
$250.00 or more 0.05% 0.05%

 

Reverse Tier Savings

Opening Balance Div. Rate APY*
$0-$2,000 2.50% 2.50%
$2,001-$5,000 1.00% 1.00%
$5,001-$10,000 0.30% 0.30%
$10,001-$50,000 0.25% 0.25%
$50,001 or greater 0.10% 0.10%

*Annual Percentage Yield Account. Subject to maintenance and/or activity fees.  Fees could reduce the earnings on the account.

Certificates of Deposit

 

Terms APY*
Balances $1,000-$99,999
APY*
Balances $100,000 +
6-Months 1.25% 1.50%
12-Months 2.40% 2.50%
24-Months 3.50% 3.75%
36-Months 2.35% 2.40%
48-Months 2.40% 2.45%
60-Months 2.50% 2.55%

Minimum Balance on 18+ month CD is $5,000


*APY = Annual Percentage Yield.  Penalty imposed for early withdrawals.  Fees may reduce earnings.  Unless you withdraw or transfer the account funds at maturity or within the 10 calendar day grace period, your account will automatically renew to a certificate with the same term at the rate available at that time for that term.  APY, terms, and conditions are current as of 10/12/2022 and are subject to change without notice.

Loan Rates

Home Loans

Home Equity Option

Loan-to-value APR**
Up to 89.99% LTV as low as 7.00%

 

The APR for a Home Equity Line of Credit is variable and based on Prime Rate as published in the Wall Street Journal, plus a margin. The maximum APR is 12.00%. You can obtain credit advances for 120 months (the draw period). During the draw period, payments will be due on a monthly basis. Your minimum monthly payment for variable rate balances will be established at the close of each billing cycle at an amount equal to the greater of 1.00% of Your then unpaid balance or all accrued but unpaid Finance Charges incurred during the billing cycle, subject to the lesser of $50.00 or your variable rate balance.

What you should know about Home Equity Line of Credit

1st Mortgages
Please contact us for current 1st mortgage rates.

We offer:

  • Fixed-Rate and Variable 1st mortgages
  • 10,15,20 and 30-year terms
  • FHA, VA, adjustable rate and jumbo mortgage options
  • No Closing Costs options
  • Free mortgage analysis

 

2nd Mortgages

Please contact us for current 2nd mortgage rates.

**Annual Percentage Rate (APR) for Fixed-Rate products are accurate as of publication date and are subject to change. Published rates are based on approved credit and combined loan-to-value of your home

Personal Loans

Overdraft Line of Credit

Annual Percentage Rate (APR) Term
Variable – Prime plus 12.00% N/A

 

Signature Loan

Credit Score Annual Percentage Rate (APR)*
740+ 10.50%
700-739 12.50%
660-699 15.50%
<659 18.00%

*(APR) is accurate as of publication date and is subject to change. Terms up to 48 months. Published loan rates, terms and amounts are based on credit approval and are subject to change. Payment amount is determined by APR and term. Loan amounts of up to $35,000 are available. Minimum loan amount of $1,000. Document fee may apply.

 

Debt Elimination Loan

Credit Score Annual Percentage Rate (APR)*
740+ 10.00%
700-739 12.00%
660-699 15.00%
<659 18.00%

*(APR) is accurate as of publication date and is subject to change. Published loan rates, terms and amounts are based on credit approval and are subject to change. Payment amount is determined by APR and term. Loan amounts of up to $50,000 are available. Minimum loan amount of $2,500. Document fee may apply.

Vehicle Loans

Auto Purchase

Credit Score APR* LTV
740+ 5.74% 100% of MSRP
720-739 6.24% 100% of MSRP
700-719 7.74% 90% of MSRP
680-699 8.74% 90% of MSRP
660-679 9.74% 90% of MSRP
640-659 11.24% 90% of MSRP
600-639 18.00% 80% of MSRP
<599 18.00% 70% of MSRP

*APR=Annual Percentage Rate

 

Classic Vehicles

Credit Score APR*
740+ 8.99%
720-739 9.49%
700-719 10.49%
680-699 11.49%
660-679 12.49%
640-659 14.74%
600-639 18.00%
<599 18.00%

*APR=Annual Percentage Rate

 

Recreational Vehicle Loans

Credit Score APR*
740+ 8.49%
720-739 9.04%
700-719 9.49%
680-699 10.49%
660-679 13.25%
640-659 17.50%

*APR=Annual Percentage Rate

 

Off-Road Vehicles

Credit Score   APR
740+   9.49%
720-739   10.04%
700-719   11.49%
680-699   12.49%
660-679   15.25%
640-659   18.00%

*APR=Annual Percentage Rate

 

Motorcycles

Credit Score APR*
740+ 6.99%
720-739 7.49%
700-719 8.49%
680-699 9.49%
660-679 10.49%
640-659 12.99%
600-639 18.00%

*APR=Annual Percentage Rate

APR*= Annual Percentage Rate. For refinance from another financial institution, we can reduce your current rate by up to 1% depending on qualifications. Payment amount is determined by APR and term. For example, the payment on a $25,000 at 4.49% for 84 months would be $347.40. See credit union for complete details.